Posts Tagged ‘NFIB’

NAHB Commentary On Dodd-Frank Rollback

February 9th, 2017 Comments off

Trump signs the Dodd-Frank Executive Order. Credits: NBC News, NAHB.

The National Association of Home Builders (NAHB) has expressed support of President Donald Trump’s actions to roll back the Dodd-Frank Act.

As Daily Business News readers are aware, President Trump signed an Executive Order to begin the rollback process that will direct the Treasury secretary to review the 2010 Dodd-Frank financial oversight law, which reshaped financial regulation after the 2008-09 financial crisis.

Dodd-Frank is a disaster, said Trump, during a meeting last week with small business owners, including NFIB President and CEO Juanita Duggan

We’re going to do a big number on Dodd-Frank.

NAHB commends President Trump on his announcement to reform regulations in the Dodd-Frank Act that have hampered our nation’s housing recovery and slowed economic growth,” said NAHB Chairman Granger MacDonald.


Granger MacDonald. Credit: Builder Magazine.

We support common-sense regulations to protect American consumers and preserve our nation’s banking system, however, the tight lending conditions created by Dodd-Frank are preventing too many home builders from receiving loans and restricting mortgage financing to credit-worthy borrowers.

The Daily Business News, MHProNews and MHLivingNews have covered Dodd-Frank and its impact on the manufactured housing industry extensively, including the Consumer Financial Protection Bureau (CFPB). Their impact on affordable housing has, in essence, created a “Renter’s Nation”.

Don Glisson, CEO of Triad Financial Services, has a very intimate understanding of the impacts both agencies have on the industry.


Credit: MHLivingNews. For the full article, click here or on the photo above.

don glisson jr triad fin svcs credit

Don Glisson. Credit: Triad Financial.

Our compliance costs have quadrupled in the past three years alone,” said Glisson.

We are the answer to the country’s affordable housing issues, but we don’t get fair treatment at the federal level. There are no MH dwellers inside the Beltway, so we must not be a good housing choice in their eyes. Government is taking sides and it’s harming the very middle-class they profess to want to help.

MacDonald has a similar line of thinking.

Regulatory relief for mortgage lenders and small and mid-sized banks that serve their communities is critical for the nation’s housing recovery,” said MacDonald.

NAHB has been calling for reduced regulatory burden on real estate lending since Dodd-Frank’s passage in 2010.” ##

(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Jobs Report at the Start of the Trump Economy

February 4th, 2017 Comments off

Image credits, Live Satellite News, text graphics, MHProNews.

The second full week of the Trump Administration came to an end on Friday, and brought with it the first jobs report under the new commander in chief.

U.S. employers added the most workers in four months, while wage growth slowed slightly more than projected.

According to CNSNews, the report from the Bureau of Labor Statistics (BLS) showed total nonfarm payroll employment rose 227,000, beating estimates of a rise to 180,000. The unemployment rate ticked up a tenth of a point to 4.8 percent.

The Labor Department’s “Employment Situation Report” is released monthly, and it reflects data gathered in the pay period that includes the 12th of the month. Labor participation was up two-tenths of a point to 62.9 percent.


Credit: CNS News.

This means that the report released today reflects the situation just prior to when President Trump was sworn in on January 20th.

As Daily Business News readers are aware, the January report reflects anticipation of President Trump’s policies, meetings and movement prior to taking office, including the highest Small Business Optimism Index in 37 years from the NFIB.


Juanita Duggan, President and CEO of the National Federation of Independent Business (credit, NFIB).

We haven’t seen numbers like this in a long time,” said NFIB President and CEO Juanita Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

Private employment, excluding government agencies, rose by 237,000 after a 165,000 increase in December. Government employment fell by 10,000 and factory payrolls grew by 5,000.

Retailers increased payrolls by 45,900. Employment in financial activities was up 32,000, professional and business services rose by 39,000, and leisure and hospitality was up 34,000.

Per Bloomberg, hiring in construction, retail, finance and professional services helped labor numbers. The 36,000 increase in construction payrolls was the largest since March.



Credit: CNS News.

Today’s report reflects the consumer confidence that the Trump presidency has inspired,” said White House press secretary Sean Spicer.

President Trump campaigned on how to make America work again. Even before he took office, the markets knew he would deliver on that promise.”

Spicer was optimistic, but also mentioned that Trump remained realistic about what needs to happen next.

The president’s already taken significant steps to turn our economy around and he is looking forward to ensuring that every American who wants a job has the opportunity to find one,” said Spicer.

While the president’s definitely pleased that the job growth has far surpassed expectations and that the labor force participation is rising, he also recognizes that there is a lot more work to be done.


Dr. Ben Carson at his confirmation hearing. Credit: Fox News.

President Trump’s actions leading up to, and after, his inauguration, stand to have significant positive impact on the manufactured housing industry. One of the most influential was the President’s nomination of Dr. Ben Carson for HUD Secretary, and his comments on the importance of manufactured housing.

For more on President Trump’s activity, including the Executive Order regarding Dodd-Frank, click here. ##


(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Recent Victories, More Hard Work to Do: NFIB’s Duggan Speaks

February 3rd, 2017 Comments off

Credit: NFIB.

National Federation of Independent Business (NFIB) President and CEO Juanita Duggan and small business leaders from across the U.S. met with President Trump this week, to explain why small business owners have such a big stake in Supreme Court justice nominee, Neil Gorsuch.


The NFIB tells MHProNews that its members understand first-hand the difference that one justice can make, as they were the lead plaintiff in NFIB v. Sebelius, the landmark case against Obamacare.

The controversial law was upheld by a single vote.

In reviewing Gorsuch’s record, the NFIB says the organization found him to be consistently tough on regulatory agencies seeking to expand their authority by rewriting the law. In a very influential decision, Judge Gorsuch challenged the Chevron Doctrine, which gives deference to regulatory agencies to interpret laws in ways that expand their power.


Juanita Duggan. Credit: NFIB.

Earlier this week, President Trump signed an executive order requiring federal agencies to eliminate two regulations for every new one approved,” wrote Duggan in a letter to members.

His actions to reign in excessive regulation is good news for the small business community. Small and independent businesses have been crushed by the aggressive regulations of the past eight years. According to the 2016 NFIB Small Business Problems and Priorities report, overregulation is now the second most important problem for small business owners.

Duggan also addressed President Trump’s executive order to revive the Keystone XL Pipeline, and, of great importance to small businesses, tax reform.

We are very active on tax reform, one of our key priorities for 2017. President Trump and Congressional leadership agree that taxes are far too high for both pass-through businesses and C corporations. The tax code strongly favors large corporations. NFIB believes that no small business should be paying a higher tax rate than Exxon Mobil,” said Duggan.

I have made it clear to Congress and the President’s team that tax reform starts with small business. Small business employs 58 million Americans and creates more than half of all jobs. If the purpose of tax reform is to grow the economy and create jobs, then it must focus on small business.


Credit, NFIB.

Duggan and the NFIB have been vocal and active leading up to, and after the election of President Trump, including a report last month about small business optimism being at it’s highest rate in 37 years.

We haven’t seen numbers like this in a long time,” said Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

That report is linked here. For more from the NIFB on small business, click here. ##

(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Small Business Optimism Index Highest in 37 Years

January 16th, 2017 Comments off

Credit: Business Financial Services.

America’s small businesses are very optimistic.

Per Bloomberg, The National Federation of Independent Business’s (NFIB) index jumped 7.4 points last month to 105.8, the highest since the end of 2004, from 98.4.

The December numbers represent the largest rise in optimism since 1980 as expectations about the economy’s prospects improved dramatically in the aftermath of the presidential election.

Rising confidence adds to the economy’s upward momentum,” said Jim O’Sullivan, chief U.S. economist at High Frequency Economics in Valhalla, New York.


Juanita Duggan. Credit: NFIB.

The share of business owners who say now is a good time to expand is three times the average of the current expansion, according to data from the NFIB. More companies also said they plan to increase investment and keep hiring, which reflects optimism surrounding President-elect Donald Trump’s plans of spurring the economy through deregulation, tax reform and infrastructure spending.

We haven’t seen numbers like this in a long time,” said NFIB President and CEO Juanita Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

The report from the NFIB is based on a survey of 619 small business owners through December 28th. According to the Small Business Administration (SBA), small companies represent 99 percent of all U.S. Employers.


Credit: NFIB.

Business owners who expect better business conditions accounted for 48 percent of the overall increase,” said NFIB Chief Economist Bill Dunkelberg. “The December results confirm the sharp increase that we reported immediately after the election.

The Manufactured Housing Industry Speaks


Voices from around the manufactured housing industry also expressed optimism in the wake of President-elect Trump’s November win.


Jim Clayton, credit, MHProNews.

 “The economy, regulations, and politics need disruptingStay tuned,said Clayton Homes Founder Jim Clayton.

I have become increasingly pleased with the outcome, but tempered that with cautious optimism.


D.J. Pendleton. Credit, MHProNews.

It’s the dawning of a new day. After the shock and elation or disappointment wash over us, and we all have taken a collective deep breath, we can begin looking to the future. And in that future I think it is safe to say that changes, well, they are a comin’ in,” said DJ Pendleton, Executive Directory of the Texas Manufactured Housing Association.

“For any who might not yet be aware, in addition to President-Elect Trump heading to the White House, both the House and Senate will now be controlled by a Republican majority. All three branches of government are in Republican control. What will this mean? It simply means that there is little in the way of the Republican policy agenda.

M_Mark_Weiss_MHARR_president__mhpronews__credit postedDailyBusinessNewsMHProNews

MHARR president and CEO M. Mark Weiss. Credit: MHProNews.

With a personal background in business, rather than government, Mr. Trump, during the just-ended campaign, has been a consistent critic of innovation-stifling and job-killing overregulation and regulators who ignore or rationalize the far-reaching negative impacts of such regulations on the health of the economy, smaller businesses and consumers,” said MHARR President and CEO M. Mark Weiss.

For more from the manufactured housing industry on the election and the economy, click here. ##

(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

NFIB By The Numbers: Trump, Clinton and Small Business

October 20th, 2016 Comments off

Credit: MHProNews.

As part of their “Election Center” feature, the National Federation of Independent Business (NFIB) has published Who Will You Choose? Presidential Issue Comparison, that analyzes each candidates position on issues that are important to small business.

The data is pulled directly from candidates’ plans.  NFIB notes that they don’t endorse candidates for the highest office in the land, but they do provide a head-to-head comparision, so their members can make an informed choice.

So, where do they stand? Let’s take a look.

Income Tax Rate

Trump: Proposes reducing the number of tax brackets to three: 12%, 25%, and 33%.

Clinton: Proposes a new tax surcharge on high-income taxpayers effectively raising the top rate to 43.6%. Proposes increasing capital gains taxes and implementing the “Buffett” rule to enact a new minimum tax rate on those with over $1 million adjusted gross income.


Hillary vs Trump – credit BBC.

Business Tax Rate

Trump: Proposes a new 15% business rate that would apply to corporations and pass through businesses.

Clinton: Proposes no change in corporate tax rates.

Estate Tax

Trump: Proposes elimination of the Estate Tax, but capital gains held until death will be subject to tax, with the first $10 million tax-free as under current law to exempt small businesses and family farms. 

Clinton: Proposes restoring the federal estate tax to 2009 levels and create new brackets for estates over certain sizes: 45% for estates over $3.5 million, 50% for over $10 million, 55% for over $50 million, and 65% for over $500 million.




Trump: Proposes eliminating the EPA’s Waters of U.S. rule and Clean Power Plan rule.

Clinton: Supports the EPA’s Waters of the U.S. rule and Clean Power Plan rule and proposes additional measures to transition U.S. energy sources to renewables.

Health Care

Trump: Proposes repealing the Affordable Care Act and replacing it with Health Savings Accounts.

Clinton: Proposes expanding the Affordable Care Act by creating a new “public option” government-run insurance plan. She proposes increasing tax credits to assist with health insurance premiums. She also proposes allowing people over 55 buy into Medicare.


For Frank Griffin’s report on this issue, complete with videos, please click here. Credit: Wikipedia.


Trump: Proposes opening onshore and offshore leasing on federal lands.

Clinton: Proposes putting additional regulations on oil and natural gas development.

Paid Leave 

Trump: Proposes expanding unemployment insurance (UI) programs to pay for six weeks of maternity leave. Trump proposes paying for increased leave by eliminating fraud in the UI program.

Clinton: Proposes 12 weeks of paid family and medical leave. Clinton proposes paying for the increased leave with higher taxes on the “wealthy.

We Provide, You Decide.” ##

(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.


NFIB Business Professionals Survey – Top 10 Small Business Concerns, Priorities & More

September 15th, 2016 Comments off

Image credit, NFIB.

The National Federation of Independent Businesses has released on Sept 14, 2016 their survey of Small Business Problems and Priorities.

Included in the results are the following Top 10 list of 75 total problems surveyed. Those cited as “most severe” problems for small-businesses owners are as follows.

  • Cost of Health Insurance,
  • Unreasonable Government Regulations,
  • Federal Taxes on Business Income,
  • Uncertainty over Economic Conditions,
  • Tax Complexity,
  • Uncertainty over Government Actions,
  • Frequent Changes in Federal Tax Laws and Rules,
  • Property Taxes (real, inventory or personal property),
  • State Taxes on Business Income and
  • Locating Qualified Employees.”

The cost of health insurance remains the most severe problem for small-business owners and is “critical” for 52 percent of respondents, unchanged from 2012,” the NFIB survey states.

Many of these concerns mirror what manufactured housing professionals have as their issues too A previous Daily Business News report indicated, hundreds of manufactured housing operations are members of the NFIB, which has a total membership of some 325,000 businesses.

NFIB has also indicated that its members prefer Donald Trump to Hillary Clinton.  This continues an NFIB polling trend from earlier in the year.

For the full 124 page report by Holly Wade – Small Business Problems  & Priorities, please click here. ##

(Image credits, NFIB.)


L. A. ‘Tony’ Kovach is the publisher of,, and an industry consultant.

Submitted by L. A. ‘Tony’ Kovach for the Daily Business News, MHProNews.

Larger! The Other National Association…Not MHI, Not MHARR…Ally? Competitor? Both?

September 1st, 2016 Comments off

NOTE: if you hear sounds coming on, scroll down to the FEMA manufactured housing report, and push PAUSE on the video. Sorry, but that video only offered an autoplay function. MHProNews produced videos do not do that….Image credits, top – Career Edge, bottom, SuggestKeywords.

Informed sources have told MHProNews about a national association with significant ties to numbers of HUD Code manufactured housing professionals; an association many times larger than the Manufactured Housing Institute (MHI) or the Manufactured Housing Association for Regulatory Reform (MHARR), or both combined.

That group?

The National Federation of Independent Business (NFIB) has some 325,000 member companies.  For membership, a company must not be publicly traded, and must be a for-profit entity.  The aim of that rule is to keep large businesses from dominating the smaller ones, says the organization.

Against that backdrop, the Daily Business News has learned that the combined totals of NFIB members among:

  • MH Retailers,
  • MH Community Operators,
  • Component Suppliers, and
  • Producers of manufactured homes….

…numbers of companies in the hundreds; more than the last known totals for MHI and MHARR combined. The Nashville, TN based operation has some 325,000 total members, which would mean it has more member companies, than there  are currently employed full time in the manufactured housing industry.



NFIB has a record of being opposed to tax hikes, burdensome regulations and other areas that would typically appeal to small and independent business professionals. Image credits, NFIB, used here under fair use guidelines.

There are apparent upsides and downsides to NFIB membership, from a manufactured home company’s perspective.

The cost for membership is generally quite modest, with numerous member benefits listed on the NFIB website. They take strong positions on issues like healthcare, regulations, etc., and provide resources to their members to aid them in navigating such issues.

Among the downsides, NFIB doesn’t currently make it easy for manufactured home businesses who are members to readily network with each other.


Regular business news watchers? Then the odds are good at seeing an NFIB leader on cable news. That kind of visibility is helpful in lobbying efforts. Image credit, CNBC.

A manufactured housing association leader privately told MHProNews that they worked with NFIB at the state level to battle an issue that both associations faced.  That association executive praised the NFIB’s role in that matter.

Following the insights noted above, MHProNews inquired directly to NFIB on some questions, and was told by staff that one approach they recommend for prospective members of industries with very specific needs – such as manufactured housing – is to be a member of their industry’s state association, while using NFIB’s huge numbers as a backup to support their causes at the state and national level. ##

(Image credits, as shown above.)


L. A. ‘Tony’ Kovach is the publisher of and

(Editor’s Note: As the insightful report today by Joe Dyton reflects, MHProNews is welcoming periodic guest writers. ICYMI, Matthew Silver is taking some much needed and well-earned time off, and L. A. “Tony” Kovach will be helping fill the Daily Business News role in the interim).

Submitted by L. A. ‘Tony’ Kovach, to the Daily Business News, MHProNews.

Judge Garland has Ruled against Small Employers in the Past

March 31st, 2016 Comments off

Merrick_Garland,_Judge__town_hall___creditTom Scott, the California Executive Director of the National Federation for Independent Business (NFIB), writing in ocregister, says President Obama’s choice for the Supreme Court, Merrick Garland, has a history of ruling against small business, siding overwhelmingly with regulators, labor unions, trial lawyers and environmental activists.

Noting Judge Garland would defer to regulators as a Supreme Court Justice, Scott said on the circuit court Judge Garland has ruled in many cases involving the National Labor Relations Board (NLRB). In two cases he has ruled if employers are guilty of violations, their personal assets as well as their business assets should be penalized.

In Rancho Viejo, LLC v. Norton, in 2003, he ruled the federal government can regulate private property. In a Calif. case involving protecting a unique toad, he ruled the Constitution’s Commerce Clause has precedence over the property, even though the Commerce Clause deals with interstate commerce, of which the toad was not a part. Scott says Garland “twisted the Commerce Clause into a pretzel in order to rationalize federal regulation.”

The NFIB is a plaintiff in a case challenging the EPA Waters of the U. S. rule which mandates that small businesses must obtain federal approval to improve property that is near a body of water.

In another case involving the NFIB, the EPA Power Plan forces states to switch away from coal as a power source to another source of electricity, a move that will likely be very costly.

After examining his record, it’s a fair assumption that Judge Garland would readily side with the government in both of these major cases. Small business knows where he stands. NFIB is firmly opposed to this nominee,” says Scott.

As MHProNews understands, however, if the new president is a Democrat, and Democrats retake the Senate, the choice for the Supreme Court could be more liberal. ##

(Photo credit: townhall–Judge Merrick Garland)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J. Silver to Daily Business News-MHProNews.

Business Organizations Dismayed by Obama

October 1st, 2012 Comments off

WashingtonExaminer says a poll of manufacturers and small business owners commissioned by the National Association of Manufacturers (NAM) and National Federation of Independent Businesses (NFIB) reveals 55 percent would not have started their businesses in today’s economic climate. Additionally, 69 percent say President Obama’s regulatory policies have hurt their business and 54 percent say China and India are more supportive of small business and manufacturers than the U.S. Sixty-seven percent report there is not enough stability to expand their businesses. Jay Timmons, president of NAM, says, “There is far too much uncertainty, too many burdensome regulations and too few policymakers willing to put aside their egos and fulfill their responsibilities to the American people. To fix this problem, we need immediate action on pro-growth tax and regulatory policies that put manufacturers in the United States in a position to compete and succeed in an ever-more competitive global economy.” MHProNews has learned NFIB president Dan Danner notes the government has erected too many barriers to growth that increase the cost of doing business.

(Image credit: National Association of Manufacturers)

Supreme Court Decision Angers Many

June 28th, 2012 Comments off

The decision by the U.S. Supreme Court this morning to uphold the individual mandate and the Patient Protection and Affordable Care Act (PPACA) went against the National Federation of Independent Business (NFIB) and 26 states in their argument before the Justices challenging the constitutionality of the measure. Yahoo!News reports Dan Danner, president of NFIB, says, “We are concerned about the precedent that this will set in Congress’ ability to mandate other aspects of our lives, but we will move forward from today to continue to fight, harder than ever, for real health-care reform for our membership. Under PPACA, small-business owners are going to face an onslaught of taxes and mandates, resulting in job loss and closed businesses. The power and control of health-care decisions should be in the hands of the consumer, not the government.” Investors responded to the news by pulling back from the U.S. stock market, anticipating the rising costs will continue to forestall an economic recovery by causing the loss of jobs. Much of the business community has expressed similar sentiment. MHProNews has learned some 70 percent of the population oppose the measure. Both political parties will use the results for their purposes as they raise funds in the run-up to the Nov. 6 election.

(Photo credit: Wikiepdia Commons)